Annette Robles submitted a complete application for a residential loan modification in November 2014 in response to an invitation from her servicer, Bank of America, N.A. (BANA). Instead of evaluating her qualification for a modification as required under California’s Homeowner Bill of Rights (HBOR), BANA transferred Annette’s loan to another servicer. The new servicer told Annette it had no record of her complete application and commenced foreclosure proceedings.

Read the Complaint

Read the Opposition to Shellpoint’s Demurrer

Read the Opposition to Bank of America’s Motion for Summary Judgment